ATP Index can be used alone or incorporated into models that incorporate consumer financial variables.
ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.

Now is the time for employers to make sure they're prepared should IRS Letter 226J arrive in their mailbox. With these Affordable Care Act-related fine notices soaring into the millions, employers must quickly react to understand Letter 226J and provide documentation to potentially dispute the stated fine amounts. Learn more about how engaging with Equifax and our Affordable Care Act Fine Management Services can support employers throughout the process.

Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.

Analytic Dataset is a unique solution which provides insights into the credit health of US consumers through multiple credit cycles. This solution is created from a sample population across different geographical boundaries starting in July 2005 to present. It allows for the entrants of new consumers as others leave the active US consumer population due to death or credit usage.

Audit by Loan Number, or ABLN, is the transaction that allows a GSE to request an audit copy of a completed verification from Equifax. Depending on the GSE program, verifications that are eligible for ABLN include instant income and employment verifications from The Work Number® and those that Equifax completes manually on a lender’s behalf, as well as those retrieved directly from the IRS via the Equifax 4506-T tax transcript service.

Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.

The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.

CaseBuilder Flex integrates easily to most internal unemployment case management programs taking care of the document management flow, and prompting workflow actions and activities, while the employer maintains the provisioning and decisioning of the case load.

Marketers need to connect their digital ad spend to their bottom line.
Our proprietary Closed-Loop Attribution measurement solution allows
marketers to measure – in a repeatable and turnkey manner – the impact
that omni-channel campaigns have on company-specific metrics and
revenue, whether the ‘conversion’ was done online or offline.

Stay on top of complex onboarding requirements. Our technology centralizes and helps automate onboarding for a more hassle-free new hire experience. Pick the modules you need with the flexibility to add more in the future.

If your company is seeking email lists for prospecting campaigns or would like to enhance customer records with email addresses, then Equifax can help. With our email services, companies can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.

Credit Card segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific credit card propensities. Available to IXI Network members only.

With onboarding, marketers can reach their offline target
audiences in the digital world.
Onboarding enables marketers to convert their customer or prospect
data in a secure environment to a digital format that can be used for
online targeting.

These segments are driven by our consumer segmentation system, which takes into account both projected interest and capacity to buy. The methodology differentiates consumers by industry-leading measures of household economics to derive unique buying capacity insights. By combining insights into estimated household income, spending and credit with demographics, buying behaviors and product preferences, these segments offer powerful tools for delivering the right message to the right audience.

Telecommunications, Cable, and Wireless segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Retail segments are based on the Economic Cohorts consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Sport segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with likely demographics, buying behaviors and product preferences.

Travel, Entertainment, and Leisure segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.

Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses.
DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.

Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households’ economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.

Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.

Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of
large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.

Built from a database that includes more than 300 million non-financial tradelines and covers more than 171 million distinctive consumers, Exchange Risk Score provides unique and deep industry-specific payment data.

The Fair Credit Reporting Act (FCRA) is a Federal Law that promotes accuracy, fairness and privacy for the data used by Consumer Reporting Agencies (CRAs), including Equifax. Verifications completed through The Work Number service are consumer reports.

Providing verifications of employment can potentially expose employers to many serious legal risks, including liability risk when giving references to other employers, and privacy concerns from leaks of sensitive employee data.

In a major redevelopment of the FICO® Score using sophisticated modelling techniques to mine trends in recent consumer data, FICO Score 9 gives lenders the most predictive FICO Score to date, and minimizes operational hurdles associated with adoption and compliance. Among many modifications to its predictive characteristics, FICO Score 9 improves lenders’ assessment of collection information as well as consumers with limited credit histories.

By offering a deeper layer of relevant financial insight, FICO® Score XD can help you pinpoint and target creditworthy prospects out of a previously
untapped audience so you can securely grow your consumer portfolio

FraudIQ™ Identity Score delivers insights on identity linkages and suspicious patterns, helping determine that the customer is who they claim to be. Use these insights and customizable scoring to make critical decisions in real time
when spotting potential fraud.

Synthetic ID Alerts, delivered in batch or real time, are based on patent-pending algorithms that analyze attributes such as authorized user velocity and identity discrepancies to help determine if the identity presented could be synthetic.

In this global market, higher education institutions are facing increasing competition and compliance challenges. Many institutions are turning to analytics to maximize strategic outcomes and drive decision making in resource allocation, student success, and finance.

To help you address CFPB expectations while also managing the risk associated with a more
inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.

Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to
your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.

We get it. Offsite is the new onsite as more and more companies move toward a dispersed workforce. The I-9 Anywhere® solution from Workforce Solutions is designed to easily accommodate multiple worksites and remote employees with built-in guidance for accurate I-9 completion. Onsite or offsite, we’ve got you covered with I-9 Anywhere delivering flexible Section 2 completion options to manage I-9 compliance anywhere you are onboarding new hires.

Take control of I-9 compliance with I-9 Management solutions from Equifax. We understand the challenge you face when managing I-9 compliance. Keeping control of your I-9s is no small task. Turnover, a dispersed workforce, remote employees, evolving legislation and changing regulations make it nearly impossible to stay 100% compliant when using a paper-based process. Equifax answers your needs with smart, convenient electronic solutions.

Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.

Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.

The Work Number delivers an automated income and employment verification solution that streamlines the transfer of information between employers and verifiers, ultimately benefiting the employee by creating a secure and accelerated decision process.

As communications and media companies expand and adopt mobile as a channel for services and capabilities, they are finding that the experience
is often difficult and frustrating for consumers. They need to streamline form-fill processes, authenticate consumer identities across devices and
identify candidates for product or service offers. InstaTouch® ID provides a more frictionless journey to secure identity, mitigate potential fraud, provides a faster path to revenue and helps encourage return engagement

As lenders expand and adopt mobile as a channel for services and capabilities, they are finding that the experience is often difficult and
frustrating for applicants. They need to streamline form-fill processes, authenticate applicant’s identities and manage compliance. InstaTouch®
ID provides lenders with a frictionless digital experience, helps simplify processes, and identifies and authenticate more applicants at the point of acquisition.

InstaTouch® ID uses Equifax and mobile carrier data to authenticate a consumer’s identity. This allows for pre-population of consumer data during online checkout or form completion--providing a simpler, frictionless experience.

InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with the consumer and build loyalty through lines of credit and real time customizable marketing offers. Utilizing the Equifax credit data and combining it with verified identity enables a business to customize a firm offer of credit or insurance to the consumer based on shopping behaviors and helping limit risk of decline.

InterConnect is a flexible and secure cloud-based platform that
converts complex inputs into actionable insights. It delivers
streamlined access to diverse data sources, better attribute creation
and deployment, easier rules management, stronger analytics and
model integration to help you make more consistent decisions and
get to market faster.

Investment Propensity Digital Targeting Segments give firms the option of targeting households based on their likelihood to hold certain types of financial products. These segments are derived from a proprietary foundation of approximately $14 trillion in directly-measured, anonymous invested assets. The Direct version targets based on ZIP+4.

With expert appellate services from Equifax, employers can tap into an experienced, highly-specialized team of representatives who will assist with hearing preparation once a hearing has been scheduled, and also represent your organization at the hearing

Equifax partners with leading providers of consumer marketing lists to help you
better reach your optimal prospects as well as to augment your company’s existing
customer database. Our list services enable marketers to access key variables for
their prospecting and customer marketing efforts.

We offer a variety of products and services to assist Dealers and OEMs with their marketing efforts.
Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper
profiles and optimize your website with real-time
insights.

Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services

Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more

Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer’s brand, products, and services.

Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributesOptimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes

MLA Covered Borrower Status returns an applicant’s status, giving you the valuable,needed insight to which credit terms you must offer in order to help you
quickly proceed with origination and maintain a “safe harbor” as stated in
the MLA Final Rule.

The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you
to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize
new and emerging model risk, so you can take faster action to update or revise those models.

A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then
compare that to how alternative models might perform.

The federal government mandates that employers report newly-hired and rehired employees to the state in which they work within 20 days. Equifax Unemployment Cost Management streamlines this process for employers by performing multi-state reporting on employers behalf.

PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.

What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™
facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.

Making employment verification calls is one of the most laborious screening activities, but it’s a critical task that must result in the fast delivery of accurate data. Whether needing to outsource an entire researched verification process or in need of a provider to handle overflow, Equifax can help.

Retail Banking Propensity Targeting Segments give banks the option of targeting households based on their propensities to consume certain types of retail banking products and services. These segments are derived from a proprietary foundation of approximately $14 trillion in direct-measured, anonymous invested assets. Available to IXI Network members only.

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

The Small Business Segments leverage attributes from BusinessClass™, Equifax Commercial Solutions’ multi-sourced business marketing database, with over 18 million businesses, aggregated to the ZIP+4 level.

SmartReserve™, a robust data offering from Equifax, can help by providing
financial institutions of all sizes with access to the historical data required to
accurately forecast future losses and calculate the reserves required under
the new CECL standard for future and current losses.

State new hire notifications can be overwhelming. Our State Onboarding Compliance solution can help. We track legislation to help keep you on-top-of evolving state required new hire notifications and our technology makes the process straightforward to help you get the right form the to the right employee at the right time.

Why rely on a job candidate’s self-reported data, multiple vendors, or potentially dirty and incomplete data to begin background screening? Talent Report™ from Equifax offers a reliable solution to validate a candidate’s identity plus uncover additional key data for use in state and county criminal history searches. With the vast breadth and depth of data sources available from Equifax, we can help you begin an efficient screening process with authenticated data from a single provider, efficiently delivered to your team via API. Learn more by viewing our product sheet.

Equifax Workforce Solutions maintains robust security practices in order to effectively manage the evolving threat landscape and dynamic compliance requirements. We know it is important for you to have confidence in the vendor you choose to handle your employees’ personal information. Protecting the data entrusted to us is our top priority.

TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.

Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests’ estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests’ household locations, they can make more informed decisions about market potential for new site locations.

Equifax trended data solutions can help by giving you a deeper
understanding of consumer financial behavior. Analyzing and trending
financial data over a period of time can show you the trajectory of a
consumer’s spending and repayment behavior by revealing patterns, or
trends, in the data.

For employers, Unemployment Cost Management (UCM) can be really complicated. Equifax puts more than 65 years of experience, our CaseBuilder technology workflows, and UCM management and reporting best practices to work for more than 6,000 employers nationwide.

In 2011, Federal requirements mandated that states enact UI Integrity legislation to help reduce improper unemployment benefit payments. All states now have legislation in place and many are starting to enforce and assess penalties.

The new Verification Exchange from Equifax leverages the best practices established over the past two decades through The Work Number, the industry-leading verification service in the United States, to deliver the Canadian marketplace a new verification solution

As part of the new Verification Exchange in Canada, an income and employment verification solution similar to The Work Number, Equifax will provide Record of Employment on behalf of employers with Canadian workforce

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

We take the complexity out of E-Verify. Forget about trying to relearn the process every time you hire a new employee. As one of the largest E-Verify employer agents, our solution makes E-Verify simple and straightforward, so you can get back to what matters most – growing your business.

Learn more about subsidies and their impact on both employees and employers. You'll find answers to the most common question like: What is a subsidy? Who should or should not get one? How and when I should appeal a subsidy? How does the subsidy process work?

Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.

The Work Opportunity Tax Credit (WOTC) can be a valuable tool to help you increase your organization’s income through hiring. But did you know there are several other benefits, including helping to reduce turnover? Learn more about how you can take advantage of these and other benefits as well as best practices to help make the WOTC process easy and effortless.

A data-driven comparison study that reveals how trended credit data can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.

A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics financial marketers should employ for reaching this generation.

This white paper will explain how the Commercial Financial Network (CFN), an ever-expanding network of data powered by the revolutionary technology and analytics of Equifax IgniteTM, can solve challenges for lenders.

Looking to increase employee retention and reduce turnover? Begin with smarter hiring. In this insights guide, you will learn how accessing candidates' verified work history can help infuse additional insight in the hiring process, later translating to potential increases in key metrics such as increased retention and tenures.

As financial services technology changes rapidly, the mortgage industry’s reputation for being behind the times has persisted. The origination process is complex and home loans are high-stakes transactions, but manual processes and reviews remain widespread while automation has been uneven.
A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way.

Over the past year, the U.S. Department of Homeland Security has communicated that one of its top priorities is immigration enforcement. There's no doubt that this renewed focus has immediate implications for human resources professionals through increased worksite enforcement.

With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.

Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.

An auto manufacturer and its captive ﬁnancing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales, particularly since the target audience was significantly different from the typical buyer of the brand.

Connexus® Plus is a robust service for data stewardship, data management and data security. Using state of the art technology, the Equifax data linking
service helps you to accurately identify and link customer information regardless of address changes, name changes, or name variations.

Credit unions often strive to grow deposits from existing members, yet may not have an efficient way of identifying the best candidates for promotions. Credit unions can work with Equifax to conduct an analysis of the deposit-growth potential of their member-base to learn the likely amount of deposits held by current members at other firms. Credit union marketers can then set goals to capture a portion of those deposits and develop campaigns to target qualified members.

Banks need to be able to identify their ideal target audience for direct mail campaigns, yet they ousually only have a view of what their clients hold with them resulting in decreased efficiency and missed opportunities. Banks can utilize WealthComplete total assets estimates to identify, prioritize, and target high opportunity customers for cross-sell and up-sell campaigns.

Financial institutions often strive to grow deposits from existing customers, yet may not have an efficient way of identifying the best candidates for promotions. Financial institutions can work with Equifax to conduct an analysis of the deposit-growth potential of their customer-base to learn the likely amount of deposits held by current customers at other firms. Financial marketers can then set goals to capture a portion of those deposits and develop campaigns to target qualified customers.

Today, many banks place customers into various service levels based on internal data or demographic data, which may provide an incomplete or inaccurate view of the customer and is particularly limited in describing customers’ growth potential and asset allocation. This limited view results in lost opportunities and over-servicing.

Learn how Hard Rock has been able to improve employee engagement in benefits, reduce its risk and slash administrative tasks related to ACA compliance, while freeing up resources and helping control healthcare costs.

Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.

By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.

Retailers can score their customer files with IXI’s estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.

Prescreen list development was taking longer than desired due to manual processes that could not efficiently handle the sophisticated prospect selection criteria. This hampered the number of prescreen campaigns, and the quantity of prospects identified for firm offers of credit. Segment Manager, an online segmentation management tool, was able to rapidly handle its complex prescreen list selection criteria.

A leading bank traditionally relied on running campaigns on common financial sites and utilizing premium targeting options across portals. In an effort to increase initial deposit amounts and the long-term value of each conversion, the ﬁrm sought to gain more control over which online visitors were seeing its ads, improve the efficiency of its targeting buy, and increase the profitability of new customers. The firm turned to Financial Cohorts for segmentation and digital targeting segments.

Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.

Mortgage servicers and investors need new insights into which mortgages are more likely to prepay in order to support customer retention programs and enhance modeling accuracy. Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers’ current financial capacity, and identify and segment loans that are more likely to prepay.

Brokerage firms and their financial advisors need to be able to understand the hidden asset potential within their client base. However, they often only have a view of what their clients hold with them, resulting in decreased efficiency and missed opportunities. Brokerage firms can utilize WealthComplete to quantify growth opportunity and help financial advisors prioritize their efforts.

Due to increased competition for deposits, many banks are focused on attracting new customers with the demographic and financial profiles most likely to develop into profitable, long-term relationships.

A leading financial services firm leveraged our wealth-based Digital Targeting Segments to improve its online targeting by serving ads to consumers that were likely to have the desired financial characteristics for its products and services, while maintaining consumer privacy.

South Carolina Federal Credit Union wanted to overcome the limits of traditional segmentation measures to better identify and market to a niche group of members that were not being adequately served within its target market and shift from a product-based to a needs-based approach for sales and marketing efforts.

Gauging the success of current online campaigns by comparing them to the performance of past campaigns is not enough. Most campaigns have significant room to improve, whether measured via Cost per Acquisition (CPA), impressions, conversions, or other metrics. An Equifax customer decreased the CPA of its online ad campaign by using our digital financial and economic measures to better target qualified prospects.

A leading U.S. bank needed to assess branch performance. They knew which branches had the highest Assets Under Management (AUM), but were unsure how those branches compared to competitive branches in the area. The bank also wanted to know which branches were underperforming relative to market opportunity. The firm used MarketMix to analyze branch performance.

A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.

A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.

A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.

A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.

View this on-demand FREE online educational seminar with I-9 experts from Equifax Workforce Solutions. We focus on best practices for helping manage off-site I-9s to help keep you in check with strict I-9 regulations. Our team walks you through steps you can take to help make sure your organization gets it right.

Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calculations and help augment their marketing program strategies.

Equifax chief economist Amy Crews Cutts shares the latest commercial credit trends and outlines what changes she sees in store for the U.S. and economy and where she believes the economy is headed. She discusses recent commercial economic data, as well as new issues that are emerging on the economic landscape including changing interest rates, the Trump administration’s priorities and global politics.

Since Fannie Mae implemented its DU® Validation Service, many mortgage lenders have hit a speed
bump while trying to implement the Day 1 Certainty™ program. During this webinar, Equifax experts
share their experience with lenders regarding program implementation and provide best practices for a
smooth and efficient roll out. They also share recommendations to successfully request income and
employment verifications from Equifax to minimize processing time and improve borrower experience.

Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.

Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates

Restaurant marketers attended “Ingredients for Restaurant Success” to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.

Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you’ll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.

The webinar will discuss overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance. An additional special report will take a deeper dive into current vintages to assess payment performance and defaults for key tradelines.

During this webinar, Amy Crews Cutts, Senior Vice President and Chief Economist at Equifax and guest Cristian deRitis, Senior Director from Moody’s Analytics discuss the latest trends impacting the U.S. economy and consumer credit.

This webinar discusses ways that retailer marketers can work towards a “retail nirvana” – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.

This webinar, held on May 3, 2018, co-hosted by Equifax and VantageScore, covered new innovations for scoring more consumers with the latest advancements such as trended data and machine learning techniques.

Does your digital experience leave customers feeling annoyed or in control? Join Equifax and guest speaker, Maxie Schmidt-Subramanian, from Forrester Research as we explore how delivering an integrated and frictionless digital experience can improve loyalty and ultimately drive business growth.

Take a deep dive into a real unemployment hearing as we act out a case that revolves around verbal harassment in the workplace. Listen in as our experts highlight throughout the case the correct steps that HR departments should take before and during an unemployment hearing.

Application fraud and account takeover are rapidly rising in the U.S. and many FIs financial institutions are scrambling to deploy mitigating controls. At the same time, the rising bar of customer expectations is pressuring FIs them to remove friction and increase functionality to create seamless digital experiences for their customers.

The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. Strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology. Review these tips to help you manage your consumer contact strategies.

Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including:
- An ACA subsidy FAQ document for employees,
- A sample employee education poster,
- A best practice guide for benefits and HR staff, and
- An ACA subsidy process road map.

The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.

Dive into 12 unemployment hearings where we examine evidence from both the claimant and the employer. Giving you unmatched insight on the decisions handed down from the Administrative Law Judge and The Board of Review. You’ll learn key takeaways for how states review separations and the type of evidence that might be needed.

With the implementation of GSE validation programs, flexibility in the way that lenders purchase and access verification solutions from Equifax is of utmost importance. Download this one-pager for a list of strategic and technology alliances that are enabled for the Audit By Loan Number solution from Equifax for participation in GSE validation programs.

Think differently. Be different. There is a paradigm shift happening: the market needs more tailored data solutions that don’t take months to deliver. You need a solution that can meet market demand through a frictionless process that reduces building, testing and deployment from months to days. Different is the new paradigm. Read Part 1 of the eBook.

Do you have questions about leveraging Equifax verification solutions to participate in the Freddie Mac Automated Income Assessment program? Review these Frequently Asked Questions for details about how the program works, specifics about eligible Equifax solutions, and more.

Get the Guide to Make I-9 Completion Easier Anywhere You Have New Hires
Is your company’s workforce spread across the U.S.? Then you likely know the challenges of off-site Forms I-9. With ICE audits on the rise, I-9 compliance is essential. This e-book helps make I-9 completion easier anywhere you have new hires.

Immigration and Customs Enforcement (ICE) is increasing its employer audits. Every company needs a completed Form I-9 for every employee (and certain former employees) ready to provide when ICE comes calling. Not ready for an audit? We get it. Equifax Workforce Solutions has a free I-9 Audit Survival Guide that helps employers get Forms I-9 in order, and keep them that way.

This e-book will examine the impact of living in an age where the truth can become a mystical concept and why HR should be using Pre-Employment Verifications to help transform how they are making hiring decisions.

Equifax InterConnect is a secure, cloud-based decision management
platform for defining and executing decision policies at the front line. It
provides a streamlined technology platform for developing powerful
decisioning strategies based on easy accessibility to robust data and
transparency in consumer acquisition.

Are you considering or currently using Pre-Employment Verifications to confirm job candidates' employment history? Read our eBook "Making the Most of Pre-Employment Verifications" to learn tips on how employers can utilize this offering during hiring to help learn more about a candidate, make more-informed hiring decisions, and realize increased retention and decreased turnover.

The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.

Did you know that employment tax overpayments during an M&A can cost a business hundreds of thousands of dollars? Even if you’ve already been through an M&A, you may still have time to collect retroactive refunds.

WOTC is truly a win-win program: employees who may have a difficult time finding a job gain employment, and employers who hire them are eligible for federal tax credits up to $9,600 per eligible employee.

Many organizations are hiring WOTC-eligible employees but aren’t taking full advantage of the federal tax credits. Download our printable guide to help you understand who is eligible for this valuable tax credit.

We’ve busted six (6) of the biggest WOTC myths that could stop you from maximizing your savings. You might think that applying for the Work Opportunity Tax Credit (WOTC) won’t help your company much, however, that’s simply not the case. Learn how WOTC can boost both your company’s bottom line ─ download now!

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